Does the uncountable "debt" have a meaning of all "debts" owed by a person/entity?
So, one could uncountably "have debt" to pay off?
Is "He has too much debt to pay off" acceptable?
So then, "He has debt to pay off" could be acceptable by extension?
Acceptable, I'd say, but you're much more likley to hear it with a quanitifer: He has some/very little/a lot of/so much debt.
I'm not a teacher, but I write for a living. Please don't ask me about 2nd conditionals, but I'm a safe bet for what reads well in (American) English.
Crap! Ever since I changed browsers, I lost my little built-in spell checker. I need to remember to always use that functionality on this site itself. Without those little red lines, I'm lost!!